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Much has been said about the availability of credit in today’s world of troubled markets, failing businesses and loan losses.
Credit is certainly still available, but in seeking a loan you need to visit your prospective lender armed with a proposal that is reasonable and easily understood by the loan officer.
You need to address, in a written business plan, what are referred to as the “Five Cs of Credit,” namely character, capacity, conditions, capital and collateral.
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